RE: Personal Finance 101 - Part 1 - Step on the Scale, Get Organized, Feel the Pain
some good info here.
managing your finances clearly requires more than what people think.
for me i don't even know how i can manage anything if it weren't for my education and experience in accounting (not much but enough to get by)..
at the end of the day i think it's simply about being reasonable (which requires a lot of planning and work).